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The largest consumption responses both for dollars-out refinances and you will HELOCs was indeed from younger homeowners and the ones which have large mortgage-to-well worth percentages These types of people are likely to-be borrowing from the bank-constrained and get low income Per cent from complete house worthy of removed in the first 12 months: 6% … The largest consumption responses both for dollars-out refinances and you will HELOCs was indeed from younger homeowners and the ones which have large mortgage-to-well worth percentages